SHG 6-K
Shinhan Financial Group Co Ltd (SHG)
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
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FORM 6-K
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REPORT OF FOREIGN PRIVATE ISSUER
PURSUANT TO RULE 13a-16 OR 15d-16
UNDER THE SECURITIES EXCHANGE ACT OF 1934
For the Month of February 2026
Commission File Number: 001-31798
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SHINHAN FINANCIAL GROUP CO., LTD.
(Translation of registrant's name into English)
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20, Sejong-daero 9-gil, Jung-gu, Seoul 04513, Korea
(Address of principal executive offices)
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Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.
Form 20-F Form 40-F
Preliminary Operating Results for FY2025
On February 5, 2026, Shinhan Financial Group released its preliminary operating results for the fiscal year 2025. The following tables reflect the key figures we announced through a fair disclosure. The full IR presentation materials are available at our website (www.shinhangroup.com).
The financial information in this report has been prepared in accordance with Korean International Financial Reporting Standards(“K-IFRS”) and is to be audited by our independent auditor. As figures provided have not yet been fully audited by our independent auditor, contents are subject to change in the due course of the auditing process.
- Preliminary Operating Results of Shinhan Financial Group (Consolidated)
| (KRW million) | ||||||
|---|---|---|---|---|---|---|
| Item | 4Q 2025 | 3Q 2025 | QoQ Change (%) | 4Q 2024 | YoY Change (%) | |
| Revenue* | Specified Quarter | 15,827,074 | 9,514,830 | 66.34 | 24,348,107 | -35.00 |
| Cumulative | 64,681,960 | - | - | 74,064,279 | -12.67 | |
| Operating Income | Specified Quarter | 1,110,263 | 1,954,623 | -43.20 | 667,994 | 66.21 |
| Cumulative | 7,023,357 | - | - | 6,458,670 | 8.74 | |
| Income before Income Taxes | Specified Quarter | 900,704 | 1,950,623 | -53.82 | 601,780 | 49.67 |
| Cumulative | 6,929,009 | - | - | 6,029,092 | 14.93 | |
| Net Income | Specified Quarter | 538,049 | 1,452,190 | -62.95 | 433,906 | 24.00 |
| Cumulative | 5,084,519 | - | - | 4,558,170 | 11.55 | |
| Net Income Attributable to Controlling Interest | Specified Quarter | 510,618 | 1,423,544 | -64.13 | 406,098 | 25.74 |
| Cumulative | 4,971,561 | - | - | 4,450,177 | 11.72 |
Notes :
The above material is prepared for the convenience of our investors. And figures provided are not yet fully audited by our independent auditor, thus contents are subjected to be changed in the due course of the audit process.
The financial information in this material is prepared in accordance with Korean International Financial Reporting Standards.
The financial figures for the previous term (4Q 2024) have been restated in the due course of the audit process by our independent auditor.
'Revenue' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.
- Preliminary Operating Results of Shinhan Bank (Consolidated)
| (KRW million) | ||||||
|---|---|---|---|---|---|---|
| Item | 4Q 2025 | 3Q 2025 | QoQ Change (%) | 4Q 2024 | YoY Change (%) | |
| Revenue* | Specified Quarter | 9,331,850 | 4,649,798 | 100.69 | 17,565,577 | -46.87 |
| Cumulative | 39,167,414 | - | - | 47,357,783 | -17.29 | |
| Operating Income | Specified Quarter | 912,133 | 1,466,074 | -37.78 | 810,100 | 12.60 |
| Cumulative | 5,309,693 | - | - | 5,059,246 | 4.95 | |
| Income before Income Taxes | Specified Quarter | 643,637 | 1,459,760 | -55.91 | 767,905 | -16.18 |
| Cumulative | 5,061,351 | - | - | 4,769,937 | 6.11 | |
| Net Income | Specified Quarter | 419,172 | 1,089,405 | -61.52 | 592,676 | -29.27 |
| Cumulative | 3,775,822 | - | - | 3,695,913 | 2.16 | |
| Net Income Attributable to Controlling Interest | Specified Quarter | 418,710 | 1,089,241 | -61.56 | 592,672 | -29.35 |
| Cumulative | 3,774,766 | - | - | 3,695,449 | 2.15 |
Notes :
- The above material is prepared for the convenience of our investors. And figures provided are not yet fully audited by our independent auditor, thus contents are subjected to be changed in the due course of the audit process.
2)The financial information in this material is prepared in accordance with Korean International Financial Reporting Standards.
'Revenue' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.
Material management matter of subsidiary company: Shinhan Bank Asset proportion out of the total group asset: 36.1%
- Preliminary Operating Results of Shinhan Card (Consolidated)
| (KRW million) | ||||||
|---|---|---|---|---|---|---|
| Item | 4Q 2025 | 3Q 2025 | QoQ Change (%) | 4Q 2024 | YoY Change (%) | |
| Revenue* | Specified Quarter | 1,359,911 | 1,310,727 | 3.75 | 1,850,529 | -26.51 |
| Cumulative | 5,892,383 | - | - | 6,173,106 | -4.55 | |
| Operating Income | Specified Quarter | 114,717 | 177,990 | -35.55 | 46,068 | 149.02 |
| Cumulative | 610,020 | - | - | 757,441 | -19.46 | |
| Income before Income Taxes | Specified Quarter | 122,211 | 176,994 | -30.95 | 47,931 | 154.97 |
| Cumulative | 619,689 | - | - | 765,468 | -19.04 | |
| Net Income | Specified Quarter | 96,816 | 134,123 | -27.82 | 20,176 | 379.86 |
| Cumulative | 480,205 | - | - | 575,261 | -16.52 | |
| Net Income Attributable to Controlling Interest | Specified Quarter | 96,342 | 133,764 | -27.98 | 19,415 | 396.22 |
| Cumulative | 476,745 | - | - | 572,147 | -16.67 |
Notes :
The above material is prepared for the convenience of our investors. And figures provided are not yet fully audited by our independent auditor, thus contents are subjected to be changed in the due course of the audit process.
The financial information in this material is prepared in accordance with Korean International Financial Reporting Standards.
'Revenue' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.
Material management matter of subsidiary company: Shinhan Card Asset proportion out of the total group asset: 21.0%
- Preliminary Operating Results of Shinhan Life (Consolidated)
| (KRW million) | ||||||
|---|---|---|---|---|---|---|
| Item | 4Q 2025 | 3Q 2025 | QoQ Change (%) | 4Q 2024 | YoY Change (%) | |
| Revenue* | Specified Quarter | 2,120,220 | 1,716,267 | 23.54 | 2,033,735 | 4.25 |
| Cumulative | 7,816,814 | - | - | 7,044,374 | 10.97 | |
| Operating Income | Specified Quarter | 90,417 | 234,264 | -61.40 | 80,965 | 11.67 |
| Cumulative | 791,988 | - | - | 725,082 | 9.23 | |
| Income before Income Taxes | Specified Quarter | 100,803 | 231,953 | -56.54 | 81,710 | 23.37 |
| Cumulative | 788,114 | - | - | 721,442 | 9.24 | |
| Net Income | Specified Quarter | -6,807 | 170,167 | -104.00 | 61,294 | -111.11 |
| Cumulative | 507,708 | - | - | 528,401 | -3.92 | |
| Net Income Attributable to Controlling Interest | Specified Quarter | -6,807 | 170,167 | -104.00 | 61,294 | -111.11 |
| Cumulative | 507,708 | - | - | 528,401 | -3.92 |
Notes :
The above material is prepared for the convenience of our investors. And figures provided are not yet fully audited by our independent auditor, thus contents are subjected to be changed in the due course of the audit process.
The financial information in this material is prepared in accordance with Korean International Financial Reporting Standards.
'Revenue' represents the sum of insurance revenues and investment revenues and other operating revenues.
Material management matter of subsidiary company: Shinhan Life Asset proportion out of the total group asset: 11.2%
Declaration of Cash Dividend by Shinhan Financial Group
On February 5, 2026, the board of directors of Shinhan Financial Group passed a resolution to declare 4th quarter cash dividends for FY2025 of KRW 880 per common share, which is total dividend amount of KRW 417,695,836,800 subject to shareholder approval. The total number of shares subject to dividend is 474,654,360 shares.
The annual dividend is KRW 1,245.9 billion (KRW 2,590 per share) including quarterly dividends for the 1st, 2nd, and 3rd quarter.
The record date is February 20, 2026 (Korea local time), and in accordance with the Korean Commercial Code, the payment for such dividends is expected to be made within one month following shareholder approval at the annual general meeting of shareholders of Shinhan Financial Group (the “AGM”). The date of the AGM will be decided and made publicly available upon the resolution of the board of directors of Shinhan Financial Group to convene such meeting.
The contents of the above declaration remain subject to change pending the results of the audit by Shinhan Financial Group’s independent auditors and the approval at the AGM.
Declaration of Cash Dividend by Shinhan Bank
On February 4, 2026, the Board of Directors of Shinhan Bank, a wholly-owned bank subsidiary of Shinhan Financial Group, resolved to pay cash dividends of KRW 1,190.32 per common share, for a total dividend amount of KRW 1,887,382,844,846, subject to the shareholders’ approval.
The record date is December 31, 2025, and in accordance with the Korean Commercial Code, the payment for such dividends is expected to be made within one month following shareholder approval at the annual general meeting of shareholders of Shinhan Bank.
Shinhan Bank is a wholly-owned subsidiary of Shinhan Financial Group and the total dividend amount will be received by Shinhan Financial Group.
The contents of the above declaration remain subject to change in the due course of the auditing process and the general meeting of shareholders of Shinhan Bank.
Declaration of Cash Dividend by Shinhan Card
On February 4, 2026, the Board of Directors of Shinhan Card, a wholly-owned bank subsidiary of Shinhan Financial Group, resolved to pay cash dividends of KRW 1,902 per common share, for a total dividend amount of KRW 238,452,604,506, subject to the shareholders’ approval.
The record date is December 31, 2025, and in accordance with the Korean Commercial Code, the payment for such dividends is expected to be made within one month following shareholder approval at the annual general meeting of shareholders of Shinhan Card.
Shinhan Card is a wholly-owned subsidiary of Shinhan Financial Group and the total dividend amount will be received by Shinhan Financial Group.
The contents of the above declaration remain subject to change in the due course of the auditing process and the general meeting of shareholders of Shinhan Card.
Report of Change in Revenue or Profit of More than 15% (Shinhan Bank)
On February 5, 2026, Shinhan Financial Group reported changes in the revenue and profit as described below.
Key Details (consolidated)
| Details of changes (KRW thousands) | FY2025 | FY2024 | Change<br><br>(Amount) | Change<br><br>(%) |
| Revenue and Profit | ||||
| -Sales | 39,167,414,000 | 47,357,783,000 | - 8,190,369,000 | -17.29 |
| -Operating income | 5,309,693,000 | 5,059,247,000 | 250,446,000 | 4.95 |
| -Net income from continuing<br><br>operation before income tax | 5,061,351,000 | 4,769,938,000 | 291,413,000 | 6.11 |
| -Net income | 3,775,822,000 | 3,695,913,000 | 79,909,000 | 2.16 |
| Main causes for changes in<br><br>sales or profits/losses amount | Increase in interest income due to increase in loan assets, etc. | |||
| Other Financial Date | ||||
| -Total assets | 596,967,318,000 | 556,691,161,000 | ||
| -Total liabilities | 558,513,573,000 | 519,926,426,000 | ||
| -Total shareholders' equity | 38,453,745,000 | 36,764,735,000 | ||
| -Capital stock | 7,928,078,000 | 7,928,078,000 | ||
| -Total shareholders'<br><br>equity/capital stock ratio (%) | 485.03 | 463.73 |
Note:
The material above is prepared for the convenience of our investors. As figures provided have not yet been fully audited by our independent auditor, contents are subject to change in the due course of the auditing process.
The financial information in this material has been prepared in accordance with Korean International Financial Reporting Standards.
'Sales Amount' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.
The above amounts are rounded up to the nearest 100,000 won.
Report of Change in Revenue or Profit of More than 15% (Shinhan Card)
On February 5, 2026, Shinhan Financial Group reported changes in the revenue and profit as described below.
Key Details (consolidated)
| Details of changes (KRW thousands) | FY2025 | FY2024 | Change<br><br>(Amount) | Change<br><br>(%) |
| Revenue and Profit | ||||
| -Sales | 5,892,383,128 | 6,173,105,520 | - 280,722,392 | - 4.55 |
| -Operating income | 610,020,053 | 757,440,820 | - 147,420,767 | - 19.46 |
| -Net income from continuing<br><br>operation before income tax | 619,688,622 | 765,468,976 | - 145,780,354 | - 19.04 |
| -Net income | 480,205,152 | 575,260,882 | - 95,055,729 | - 16.52 |
| Main causes for changes in<br><br>sales or profits/losses amount | Decrease in Operating income due to increase in interest expense. | |||
| Other Financial Date | ||||
| -Total assets | 43,186,731,647 | 44,137,093,985 | ||
| -Total liabilities | 34,686,849,729 | 35,860,197,801 | ||
| -Total shareholders' equity | 8,499,881,918 | 8,276,896,184 | ||
| -Capital stock | 626,847,015 | 626,847,015 | ||
| -Total shareholders'<br><br>equity/capital stock ratio (%) | 1,355.97 | 1,320.40 |
Note:
The material above is prepared for the convenience of our investors. As figures provided have not yet been fully audited by our independent auditor, contents are subject to change in the due course of the auditing process.
The financial information in this material has been prepared in accordance with Korean International Financial Reporting Standards.
'Sales Amount' represents the sum of interest revenues, fees and commissions revenues, and other operating revenues.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
| Shinhan Financial Group Co., Ltd. | ||||||
| (Registrant) | ||||||
| Date: February 5, 2026 | By: | /s/ JANG Jeong Hoon | ||||
| Name: JANG Jeong Hoon | ||||||
| Title: Chief Financial Officer |